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E-Commerce · head to head

Razorpay vs Sellfy

Razorpay logo

Razorpay

E-Commerce

Indian payment gateway for domestic and international card, UPI and wallet acceptance

From
On request
Rated
-
Full reviewWebsite
Sellfy logo

Sellfy

E-Commerce

Ecommerce platform for creators and entrepreneurs

From
$22/month
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Razorpay it requires an Indian legal entity and settles only to Indian bank accounts, so it is not an option for a business incorporated elsewhere no matter how many Indian customers it has.; Sellfy every plan caps annual sales volume: $10k on Starter, $50k on Business and $200k on Premium
  • They diverge on capability: Razorpay covers Domestic payment methods, Sellfy covers Physical & digital products.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Razorpay and Sellfy actually diverge.

Attributes where Razorpay and Sellfy differ
AttributeRazorpaySellfy
Starting priceOn request$22/month
Pricing modeltransactionsubscription
FoundedUnknown2013

Identical on both: free tier (No), platforms (Web), user rating (Not yet rated), category (E-Commerce).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Razorpay

  • Domestic payment methods
  • International cards
  • Payment links and pages
  • Route
  • RazorpayX
  • Subscriptions
  • Smart Collect
  • Dashboard and reporting

Only in Sellfy

  • Physical & digital products
  • Membership/subscription sales
  • Email marketing
  • Marketing automation
  • Affiliate program
  • Analytics
  • Mobile app
  • Multi-currency support

What people use each for

The jobs each tool is most often brought in to do.

Razorpay

  • An Indian D2C brand needing UPI acceptance alongside cards in a single checkoutnot Sellfy
  • An Indian SaaS business billing domestic customers on recurring mandatesnot Sellfy
  • A marketplace that must split each payment between the platform and its sellersnot Sellfy
  • A business that needs to take payment without building a website, using links and pagesnot Sellfy

Sellfy

  • Selling digital downloads, subscriptions or print on demand goods from a hosted storefrontnot Razorpay
  • Running a small creator store without building a sitenot Razorpay

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Razorpay

  • It requires an Indian legal entity and settles only to Indian bank accounts, so it is not an option for a business incorporated elsewhere no matter how many Indian customers it has.
  • The transaction percentage applies to the full order value including shipping and tax rather than to the product price, so low margin categories with heavy shipping give up more of their margin than the quoted rate suggests.
  • Payment aggregator authorisation sits with the Reserve Bank of India and has been withheld from aggregators before while applications were reviewed, so a dependency exists that no commercial contract term protects you from.
  • Default settlement runs on a delayed cycle with faster settlement sold as a paid add-on, so a business that buys stock from its takings either waits for cash or pays extra for it, and that cost belongs in the effective rate.
  • International card acceptance is priced higher and requires separate approval rather than being a configuration change, so cross-border revenue takes longer to switch on and earns less per order than a domestic sale.

Sellfy

  • Every plan caps annual sales volume: $10k on Starter, $50k on Business and $200k on Premium
  • Exceeding the cap forces a plan upgrade rather than an overage charge, so growth is a step change in cost
  • Maximum file size per digital product is tied to the plan, at 10 GB, 15 GB and 20 GB
  • Email marketing credits are metered per plan, from 2,000 to 50,000
  • Cart abandonment, upselling and the affiliate programme all require the Business plan
  • Payment processing fees from PayPal or Stripe are charged on top of the subscription

Pricing, plan by plan

Razorpay

On request
  • Domestic Payments$undefined/mo
    • 2% platform fee per successful transaction across all payment instruments
    • GST: 18% applies on the platform fee
    • No setup fees, annual maintenance charges, or refund fees
  • Corporate Cards$undefined/mo
    • 2.15% platform fee per transaction
  • International Payments - Cards$undefined/mo
    • Up to 3% per successful transaction
  • International Payments - Bank Transfers$undefined/mo
    • 1% per transaction with zero forex markup

Sellfy

$22/month
  • Starter$22/month
    • From $22/month with annual billing (or $39/month with monthly billing)
    • Basic e-commerce features for digital and physical products
  • Business$null/month
    • Mid-tier option with expanded capabilities
  • Premium$null/month
    • Highest tier with up to 20GB per digital product file storage

Which should you pick?

Choose Razorpay if

  • You need domestic payment methods.
  • You also want international cards.
Razorpay review

Choose Sellfy if

  • You need physical & digital products.
  • You also want membership/subscription sales.
Sellfy review

Questions people ask

Is Razorpay or Sellfy better?
Neither clearly leads. Razorpay starts at On request and Sellfy at $22/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Razorpay or Sellfy?
Razorpay starts at On request and Sellfy at $22/month.
Does Razorpay or Sellfy run on more platforms?
Both run on Web, so platform support will not decide this one for you.
What is Razorpay best used for?
Razorpay is most often used for an indian d2c brand needing upi acceptance alongside cards in a single checkout, an indian saas business billing domestic customers on recurring mandates, a marketplace that must split each payment between the platform and its sellers, a business that needs to take payment without building a website, using links and pages. Of those, an indian d2c brand needing upi acceptance alongside cards in a single checkout and an indian saas business billing domestic customers on recurring mandates are not what Sellfy is typically brought in for.
What can Razorpay do that Sellfy cannot?
Razorpay covers Domestic payment methods, International cards, Payment links and pages, Route. Sellfy covers Physical & digital products, Membership/subscription sales, Email marketing, Marketing automation.

Answered from the vendors’ own pages

Razorpay: Can I use Razorpay if my company is not in India?

No. It requires an Indian entity and an Indian bank account for settlement. Overseas businesses selling into India need a different arrangement.

Sellfy: How much does Sellfy cost?

Sellfy starts at $22/month for the Starter plan with annual billing ($39/month with monthly billing). Higher tiers (Business and Premium) are available but specific pricing requires contacting sales or visiting the pricing page.

Source
Razorpay: What is the real effective rate?

The domestic percentage on the full order value including shipping and tax, plus higher international rates, plus any charge for faster settlement and dispute handling. Compute it from a month of settlement reports, not the pricing page.

Sellfy: Does Sellfy charge transaction fees?

No, Sellfy charges zero transaction fees on sales, unlike competitors such as Gumroad which charges 10%. If revenue exceeds a plan limit, a 2% fee may apply unless you upgrade to a higher tier.

Source
Razorpay: How quickly do I get paid?

On a delayed settlement cycle by default, with faster settlement available as a paid feature. Plan working capital around the default, not the add-on.

Sellfy: Does Sellfy offer a free trial?

Yes, new users can access a 14-day free trial with no credit card required. During the trial you can customize store design and add product types, but upgrading to a paid plan is required to start selling.

Source
Razorpay: What is the main structural risk?

Regulatory. Indian payment aggregators operate under RBI authorisation and have previously been barred from onboarding new merchants. Keep a second processor integrated if payments are business-critical.

Razorpay: Does it support recurring billing?

Yes, built on India's mandate and e-mandate framework, which has its own rules on authentication and notification that differ from card-on-file recurring elsewhere.

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